DSCR Loans Raleigh, North Carolina
Finance a Raleigh rental on its income — no tax returns, no W-2s. The heart of the Research Triangle pairs tech, government, and NC State demand with fast growth and North Carolina’s low property taxes.
- Qualify on the property’s rent — no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- Research Triangle tech + NC State · low NC property taxes
- SFR, Condo, 2–4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Raleigh DSCR Loans — Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property’s rent ÷ payment (DSCR), not your personal income.
- Market: Wake County (Research Triangle). Tech growth + appreciation; low taxes.
- Max LTV: Up to 85% (purchase) · 75–80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720–780+). Rates: from 5.75%.
- Closing: as fast as 14 days. Vesting personal, LLC, or entity — foreign nationals eligible.
- Lender: CambridgeHomeLoan.com — direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in Raleigh
What is a DSCR loan in Raleigh, North Carolina?
A Raleigh DSCR loan qualifies on the property’s rent divided by its full payment (PITIA), not your income. Raleigh’s Research Triangle Park tech economy, state government, and NC State demand drive steady rentals and appreciation, and NC’s low property taxes help DSCRs pencil. We underwrite the real Wake County bill for the parcel.
| Qualifies on | The property’s rent ÷ PITIA (DSCR) — no personal income |
| Rates from | 5.75% (Tier 1; see rate table below) |
| Max LTV | Up to 85% (purchase) · 75–80% cash-out |
| Min DSCR | From 0.75x with compensating factors · no-ratio options |
| Min FICO | 620+ (best pricing 720–780+) |
| Vesting | Personal or LLC · foreign nationals eligible · no property cap |
| County | Wake County (Research Triangle) |
How we compare
CambridgeHomeLoan vs. Top National DSCR Lenders
Raleigh investors shop DSCR terms hard. Here’s how our program stacks up against the terms commonly advertised by top national DSCR lenders. Where we lead, it’s highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Rates from | 5.75% | ~5.75–6.5%+ |
| Max LTV (purchase) | Up to 85% | Typically 80% (85% only for 740+ FICO, smaller loans) |
| Min DSCR | From 0.75x | 1.0 standard (0.75 with factors) |
| Min FICO | 620 | 620–640 |
| Max loan amount | $20M+ | Commonly $3M–$5M |
| Foreign nationals | Yes — LLC, entity & foreign nationals | Limited / program-dependent |
| Fastest closing | As fast as 14 days | Varies |
| Model | Direct lender since 1998 | Direct lender |
“Top national lenders” reflects terms commonly advertised across the DSCR market on publicly published program pages as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Raleigh market data
Raleigh rental market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Avg. monthly rent (2026) | ~$1,500–$2,100 across property types |
| Typical SFR price | $340K–$470K in most areas |
| Property tax (Wake) | ~0.8–0.9% effective (low) |
| Insurance | Low–moderate — inland; model $1.5K–$2.5K/yr |
| Investor angle | Tech growth + appreciation; low taxes |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Raleigh neighborhoods
Where Raleigh rentals pencil for DSCR
Raleigh cash-flows best in southeast and suburban submarkets; in-town leans appreciation.
| Submarket | Typical monthly rent (2026)* | DSCR outlook |
|---|---|---|
| Near NC State | $1,600–$2,600 (per-bed) | Student leasing lifts rent |
| Southeast Raleigh | $1,500–$2,000 | Value & path-of-progress |
| North Raleigh | $1,700–$2,300 | B/A-class family SFR |
| Garner / Knightdale | $1,600–$2,100 | Affordable growth suburbs |
| Downtown / Inside the Beltline | $1,900–$2,700 | Premium; appreciation |
*Approximate 2026 ranges for illustration — verify current rents for the specific address (an appraiser Form 1007 sets the qualifying figure).
Free tool
Raleigh rent & DSCR calculator
Enter the property’s monthly rent, your loan, and carrying costs to estimate your DSCR (rent ÷ PITIA) and monthly cash flow. Illustrative only — final DSCR uses the appraiser’s Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (Wake County (Research Triangle))
Illustrative only; not a rate quote or commitment to lend. We confirm rent with a Form 1007.
Worked example
A real Raleigh DSCR scenario
A Southeast Raleigh single-family rents for $1,750/month. On a $290,000 loan at ~7.25% (30-yr), P&I is ~$1,978; add Wake County taxes (~$225/mo on a $340K value) and insurance (~$142/mo) and PITIA is ~$2,345 — a DSCR near 0.75x, so Raleigh buyers lean on appreciation, add down payment, or use near-NC State per-bedroom leasing. Illustrative only; confirmed by a Form 1007.
Rates
Raleigh DSCR rate tiers (2026)
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% — strongest pricing |
| Tier 2 (720–779, ≤75% LTV) | ~6.25–7.00% |
| Tier 3 (660–719, ≤80% LTV) | ~7.00–7.75% |
| Tier 4 (620–659, up to 85% LTV) | ~7.75–8.50% |
Illustrative tiers, subject to change and underwriting; DSCR ratio, property type, and reserves also affect pricing. Not a rate quote.
Short-term rentals
Airbnb & short-term rentals in Raleigh
Raleigh regulates short-term rentals through zoning and permitting, with demand near NC State, downtown, and event venues. DSCR loans qualify permitted STR income from a Form 1007 plus a market schedule; most Raleigh deals underwrite on long-term or student rent. See our North Carolina DSCR loan hub and nationwide DSCR program for how we underwrite rental income.
Requirements
Raleigh DSCR loan requirements
| Down payment | Typically 20–25% (purchase) |
| Credit | 620+ FICO; best pricing at 720–780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3–6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
Raleigh DSCR loan FAQ
Do Raleigh DSCRs pencil given higher prices?
They run a bit tight at market rent, but NC’s low property taxes help, and investors lean on appreciation, near-NC State per-bedroom leasing, or attainable suburbs like Garner and Knightdale.
Can I finance a near-NC State student rental with a DSCR loan?
Yes. Per-bedroom leasing near campus raises effective gross rent and strengthens the DSCR; the loan qualifies on that income.
Which Raleigh areas cash-flow best for DSCR?
Southeast Raleigh, Garner, and Knightdale offer the strongest rent-to-price; inside-the-Beltline leans premium/appreciation.
What credit score and down payment do I need in Raleigh?
A 620+ FICO and typically 20-25% down; stronger profiles reach up to 85% LTV.
Keep exploring
Related Raleigh & North Carolina investor loans
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only and are not available for primary residences. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change without notice, and subject to borrower and property qualification and underwriting approval. Rate shown “from 5.75%” reflects the lowest advertised tier for the strongest borrower profiles and is not a rate quote or commitment to lend. Rental income figures are market estimates for illustration only and are confirmed by a Form 1007 appraisal on your specific property. Short-term-rental regulations vary by municipality — verify zoning and registration before purchase. Comparisons reflect publicly available information as of July 2026 and are not endorsements or affiliations. This page is informational and does not constitute financial, legal, tax, or investment advice.